Citizens Financial Group (CFG) Q3 2025 10-Q Quarterly Report
Citizens Financial Group (CFG) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 3, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Citizens Financial Group Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue $2.12B Q3 2025, up $217M YoY; Net interest income $1.49B Q3 2025, up $119M YoY; EPS $1.05 Q3 2025 vs $0.77 YoY
- • Operating margin (net interest margin, FTE) 3.00% Q3 2025 vs 2.77% YoY; ROTCE 11.75% Q3 2025 vs 9.45% YoY; efficiency ratio 63.03% Q3 2025 vs 66.23% YoY
Risk Factors
- • No new or changed risk factors disclosed in 10-Q referencing 2024 Form 10-K risk section
- • Credit risk from potential loan defaults remains significant per 2024 10-K disclosures
Citizens Financial Group Q3 2025 Quarterly FinancialsXBRL
Revenue
$452M
▲ +23.2% YoY▲ +18.0% QoQ
Net Income
$494M
▲ +29.3% YoY▲ +13.3% QoQ
Net Margin
109.3%
▲ +520bp YoY▼ -455bp QoQ
ROE
1.9%
Total Assets
$222.7B
EPS (Diluted)
$1.05
▲ +38.2% YoY▲ +14.1% QoQ
Operating Cash Flow
$1.7B
▲ +1204.6% YoY▲ +91.4% QoQ
Source: XBRL data from Citizens Financial Group Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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